PaisaVault

PaisaVault is a personal finance app for people who want a real picture of their money — not just a list of transactions. It brings your accounts, spending, investments, goals, and even money you've lent or borrowed into one place, and shows exactly where you stand today, this month, and over time. Every number is calculated from your own data, live, on your own device. YOUR FINANCIAL PICTURE, AT A GLANCE The Dashboard is the heart of the app — current balance, this month's income and expenses, a budget-progress summary, and a Pending Money card that separates what's actually in your accounts from what's still owed to you or by you. Nothing gets double-counted or buried. Balances hide with one tap for privacy in public. Net Worth pulls every account, investment, and pending receivable into a single trend line, broken down by type, so you can watch what you're actually worth move over months and years — not just track a checking balance. EFFORTLESS EXPENSE & INCOME TRACKING Adding a transaction takes seconds: recent and frequent merchants appear as one-tap quick-picks, categories and accounts pre-populate with smart defaults, and everything syncs to the Dashboard instantly. Categories are fully customizable, so the app adapts to how you actually spend. Reports and Cash Flow turn that history into clear charts — category breakdowns, income-vs-expense trends over any date range, a day-by-day cash flow calendar, and a 60-day balance projection — no exporting to Excel required. NEVER FORGET WHO OWES WHO Most budgeting apps ignore the informal lending that's part of real life — money you gave a friend, or took from a relative for a while. PaisaVault tracks it properly: what you gave or took, partial repayments, due dates, status — and it rolls into your Pending Money total without ever pretending that money is already back in your account. GOALS, BUDGETS & BILLS THAT ACTUALLY MOTIVATE YOU Set a savings goal, add funds whenever you like, and watch the progress bar close in. Category budgets warn you before you overspend, not after. Recurring bills and templates turn monthly entries into one tap instead of five. INVESTMENTS, WITHOUT THE SPREADSHEET Track mutual funds, stocks, fixed deposits, gold, or any other holding alongside your everyday accounts, and watch its value contribute to your real Net Worth number — broken out from cash everywhere that matters. BUILT FOR FAMILIES, NOT JUST INDIVIDUALS Family Sync lets a household share one financial picture — categories, accounts, and transactions merge across devices without duplicates or conflicts. Entirely opt-in; the app works solo and fully offline if you never turn it on. YOUR DATA, YOUR CHOICE OF BACKUP PaisaVault is private and offline-first by design: every transaction stays local first, and the app is fully usable with no internet connection. Going online is always optional, always your call. For a safety net, choose from three backup paths: Google Drive, Dropbox, or a fully local backup to your device's storage — no account or internet needed for that last option. Nothing uploads anywhere unless you turn it on. A PIN lock, with optional biometric unlock, protects the app itself — so even someone holding your unlocked phone can't see your finances without a second step. WHY IT'S DIFFERENT • One number for your real financial position, not five balances you add up yourself • Lending and borrowing tracked properly, not ignored • Investments and cash unified in Net Worth, not siloed • Your choice of backup — Google Drive, Dropbox, or fully offline • Built for families sharing one financial picture, not just solo trackers • No ads, no data harvesting, no server-side account required PaisaVault isn't trying to be everything. It's trying to be the one place you actually check before you decide whether you can afford something — and to be honest with you when the answer is no.